Even though there are some things you can control when it comes to lowering your car insurance prices in San Marcos, California, there are a number of factors outside of your control and that can make your car insurance costly. One of the biggest determining factors in the final price of your car insurance in San Marcos is the period of your driving history and the age. The younger and the more inexperienced you're at driving, the greater your car insurance premium will be. Where you live in San Diego County and how far you're in the areas of San Marcos also determine how expensive or inexpensive your car insurance costs will be. Drivers with credit scores than the ones that have credit scores that are poorer will typically pay less for car insurance in San Marcos, California . And if you're driving a sports car or a new car, then the cost could also be more expensive than if you were to drive an car. While you could make improvements to your credit rating, move to another area in San Marcos, or change the type of car that you drive, the easiest thing that you could do to reduce the costs of your car insurance is to see what kind of wiggle room you can have in the pricing of your coverage and what kind of discounts you can be applied.